Do you guys make a budget every month? We started doing it a couple of years ago knowing that our retirement would be coming soon and we would have to know how to live within a budget. We use the Quicken for Mac program and is it ever insightful!! You set your budget and tailer it to meet your own personal needs. As you spend money and assign the money into your categories, the program keeps track of how you are doing within that budget. You can select monthly and by the entire year. One of these days I'll have to make a video explaining how it works for us. Anyway, for us, food kept coming up on our budget overages, meaning, we set the budget for a certain amount and each month, we were going over. Now in the "olden days" we had really gotten used to dining out at night, having several lunches out a week and those luscious coffee creations 4 out of 7 mornings!! No wonder it wasn't balancing. But we had the money then and we didn't even LOOK at what we wer...